Royal Legal Group, LLC
7500 College Blvd, 5th floor,
Overland Park, KS 66210
ROYAL LEGAL GROUP
RETAINER AGREEMENT
PRIVATE AND CONFIDENTIAL
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This document is a legally binding agreement confirming that you (“Client”) and Royal Legal Group (“Royal”)
wish to form an Attorney / Client relationship.
Pursuant to this Agreement’s terms, Royal will assist you with the resolution of burdensome debt, and as such,
the Representation contemplated in this Agreement is referred to as a Debt Resolution Program. In return for
Royal’s services, you agree to pay specific amounts to Royal, as specified in this Agreement and its enclosures.
Client is retaining Royal to help resolve specific debts that Client cannot reasonably satisfy according to existing
terms. These specific debts are listed in this Agreement.
Client must pay as agreed for Royal to operate as contemplated in this Agreement. The law firm puts in place a
customized strategy based on the individual client and their debts in order to effectuate the goals of the law firm’s
representation. Following this strategy, Royal’s ability to resolve the proposed debt load is projected to take a
number of months and an amount of payments listed in this document. Any variance from this strategy, including
Client’s failure to make timely payments, will affect Royal’s ability to perform as agreed.
The specifics of Royal and Client’s responsibilities and expectations with regard to this relationship are discussed
in this Agreement in the following order:
1.
ROYAL’S LEGAL SERVICES
2.
FEES AND COSTS OF SERVICES
3.
TERMINATION OF THIS AGREEMENT
4.
ADDITIONAL TERMS AND DISCLOSURES
5.
ARBITRATION AGREEMENT AND CLASS ACTION WAIVER
Following the Attorney / Client Agreement are various
notices, disclosures, schedules, lists, and authorizations
related to this Agreement’s terms. The contents of all
documents enclosed are material to Royal’s representation of
Client, and are incorporated into this Agreement.
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ROYAL LEGAL GROUP
CLIENT INFORMATION
Client Information
Full Name:
DOB:
SSN:
Address:
City
State, Zip Code:
Home Phone:
Cell Phone:
Email Address:
Full Name:
DOB:
SSN:
Address:
City
State, Zip Code:
Home Phone:
Cell Phone:
Email Address:
PROPOSED PROGRAM INFORMATION
Total Unsecured Debt:
*Estimated Program Length (months):
Date of First Payment:
Program Payment Amount (monthly):
*Estimated Total Payments:
*Estimated Total Fees:
Law Firm Contact:
* - The estimates provided above are just that – good faith estimates. The actual results vary on a case by
case basis. In addition, the accuracy of these estimates is dependent on the accuracy of the information that
you provide, the terms of the settlements we are able to negotiate with your creditors and on your ability to
save a consistent amount each month.
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ROYAL LEGAL GROUP
RETAINER AGREEMENT
Royal’s services are performed by a group of professionals, including attorneys, paralegals, negotiators,
assistants, and others. Attorneys directly supervise the activities they do not directly perform. Royal will
perform the various services described in this section.
1.1.
Debt Analysis
Royal will review Client’s personal hardship and other debt circumstances and formulate a plan to negotiate
improved terms.
1.2.
Negotiate and Resolve Client Debt
Royal will represent Client in the negotiation and resolution of the unsecured debts listed in the Creditor List
enclosed with this Agreement. Representation related to any debt is governed by the promises and limitations
discussed throughout this Agreement.
1.3.
Litigation Defense Services
Royal will advise and represent Clients in their defense of litigation initiated by creditors or collectors to recover
debts listed in this Agreement. Royal attorneys are immediately notified of litigation, and may be assigned to
address any litigation served on Client after the effective date of this Agreement. Litigation services are further
conditioned and limited by other terms of this Agreement, circumstances of practicality, and jurisdictional rules.
1.4.
Services Outside Scope of Representation
Royal’s services are limited to those specifically listed above. This means that Royal will not provide accounting,
financial planning, or tax advice. Royal does not engage in credit repair or credit reporting. Royal does not attempt
to resolve debts on which a judgment has been obtained. Bankruptcy services, and defense or prosecution of any
debt not listed in this Agreement are outside the scope of representation. Further, Royal cannot guarantee that
creditor or collector harassment will cease at any point in the representation. However, under some circumstances,
Royal may take appropriate legal action against creditors or collectors engaged in illegal activity.
1.5.
Work Performed by Contracted Parties
Royal Legal Group may contract work relating to this Agreement to third parties for such tasks including, but not
limited to customer service and debt negotiations. Royal attorneys will supervise all third-party entities to ensure
contracted services comply with Royal’s rules and regulations.
1. ROYAL’S LEGAL SERVICES
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ROYAL LEGAL GROUP
RETAINER AGREEMENT
1.6.
Litigation Defense Services
Creditors and/or debt collectors may file lawsuit(s) against Client in order to collect non-payment of owed debt(s).
Royal will provide Litigation Defense Services in the event the client receives a Summons and Complaint. The
Litigation Defense Services will include work done in court and/or negotiations out of court. Royal’s Litigation
Defense Services and limitations include:
Services
1. Royal will receive, review, and analyze any
summons, complaint, petition, application, or
other operative pleading the client has received.
2. Royal will evaluate potential legal defenses to the
Plaintiff creditor’s suit.
3. Royal will review, analyze, and counsel Client
regarding collection activity and debt
restructuring associated with the litigated debt.
4. Royal will engage with the Plaintiff or its hired
legal counsel on Client’s behalf to negotiate a
resolution of the litigation.
5. Royal’s attorneys may determine that a valid
defense exists to the law suit, or that the suit is
defective in some way favorable to Client. This
determination varies by jurisdiction, current legal
trends, and the personal knowledge of the local
attorney.
6. If Royal’s assigned attorney determines that Client
is likely to gain a favorable result through
continued defense of the litigation, he or she will
prepare and file responsive pleadings on the
Client’s behalf, appear at subsequent court
proceedings, and continue defense through various
stages of litigation, including trial, if prudent.
7. If Royal determines in its sole discretion that it
does not have a good faith basis to assert a
defense to the litigation on Client’s behalf,
Royal will communicate this determination to
the Client and discuss alternative potential
strategies for resolving the litigation. In such
cases, Royal’s strategy may include, but would
not be limited to, engaging in out of court
negotiations directly with the creditor. No fees
for Litigation Defense Services will be charged if
Royal determines it cannot provide a defense to the
litigation.
Conditions and Limitations
1. All pages of any summons, complaint, exhibits,
petitions, and/or other pleadings served to the
client must be submitted to Royal.
2. All lawsuit paperwork must be submitted to Royal
no less than fifteen (15) days prior to the lawsuit
response date, or immediately upon the client’s
receipt of lawsuit paperwork.
3. If the litigation is in a State that permits less than
fifteen (15) days’ notice, all lawsuit paperwork
must be submitted no less than seven (7) days
prior to lawsuit response date.
4. All lawsuit paperwork must be submitted to
Royal Legal Group at their fax number
(800) 385-3670 or email address
cs@Royallegalgroup.com
5. The "Retainer Fee" payment, as outlined in 2.1
Service Cost – Related Service, must be current on
any agreed payment plan specific to the “Retainer
Fee” in order for Royal to provide Litigation
services.
6. Royal is not required to provide Litigation
Services on any lawsuit of which the Client had
knowledge prior the execution of this Agreement
with Royal. Knowledge of a lawsuit is typically
determined by service of process (delivery of a
legal complaint to a party being sued).
7. Royal will not provide Litigation Services related
to debts which are not included in this Agreement,
or any attachments or amendments to this
Agreement made prior to Client’s knowledge of
the law suit.
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1.7.
Bankruptcy and Other Alternatives
Royal may discuss alternative legal routes in the event of changing circumstances on any enrolled debt(s),
such as Chapter 7 & 13 Bankruptcies.
1.8.
Conditions of this Agreement’s Effectiveness
a.
This Agreement does not take effect, and Royal has no obligation to provide any services, until both
Client and Royal have executed a copy of this Agreement and such copy is delivered to both Parties.
1.9.
Assistance in Dealing with Difficult Creditors
It is important to understand that Royal cannot force a creditor to negotiate your debt. Although Royal will not
accept a debt into the program from creditors it knows will not negotiate debts, there are times when a creditor
that has negotiated with Royal in the past may refuse to negotiate a debt. In such instances, the Royal attorneys
or negotiators may require your assistance in participating in the negotiation process. Royal personnel will
provide you with the information you will need in order to contact your creditor directly in an effort to reach a
satisfactory settlement. If Royal cannot successfully negotiate a debt for you, even with your assistance, it will
refund to you the portion of your fees associated with that debt.
1.10.
Timing and Amount of Settlement Offers:
Royal will begin contacting your creditors as soon as we determine that a good faith offer to settle a given debt,
whether on a lump-sum or installment basis, may be made, with such factors as the creditor’s settlement policies,
the rate of account accretion, the size of each debt and how close a debt may be to charge-off. Some creditors
prefer that they not be contacted until you have accumulated sufficient funds in your Dedicated Account to allow
a negotiated resolution within their historic norms. While settlement guidelines differ widely among creditors,
an accumulation of 25% of the then-current balance of a debt will normally enable us to make a good-faith offer
to settle that debt.
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ROYAL LEGAL GROUP
RETAINER AGREEMENT
25%
Royal’s fees are payable according to the following terms. No fees are collected by Royal until those fees were
earned through settlement of Client’s respective debt.
2.1.
Service Cost – Related Services
The Retainer Fee is 3.875% of the amount of debt you enroll in the Royal program. This fee covers the initial
work performed by attorneys in crafting and reviewing your specific debt negotiation plan, as well as their
continued legal work in securing or approving settlements, counseling you on the phone, providing litigation
services, and any other legal tasks your circumstances require.
In addition to the legal services provided by Royal, there are non-legal services related to the implementation,
management and maintenance of Client’s debt negotiation plan performed under the supervision of Royal’s
attorneys. These services are provided at a cost of ______ of the Client’s total scheduled debt (hereinafter
referred to as Service Cost).
Royal has a non-exclusive reciprocal referral agreement with independent contractors to provide non-legal
services under Royal's direct supervision. Representatives of such independent contractors cannot and will not
provide any legal advice to the Client, and any such advice will only be communicated to Client by Royal.
Although these services are performed under Royal’s supervision, a court or courts might determine that there is
no attorney-client relationship between Client and the independent contractor representatives in regard to these
services, and communications between Client and the independent contractor representatives might not be
protected by attorney-client privilege.
Together, the Retainer Fee and Service Cost equal _______ of the total amount of debt you enroll in the Royal
program.
2.2.
Program Details
Total Unsecured Debt:
Est. Program Length(months):
Date of First Payment:
Monthly Payment Amount
Estimated Total Payments:
Estimated Total Fees:
The estimates provided above are just that – good faith estimates. The actual results vary on a case by case basis. In addition, the
accuracy of these estimates is dependent on the accuracy of the information that you provide, the terms of the settlements we are
able to negotiate with your creditors and on your ability to save a consistent amount each month.
2.3.
When and How Royal’s Fees Are Charged
We do not charge any fee for our Debt Resolution services unless and until a Debt is successfully resolved. Our
fee is due upon the occurrence of all of the following: 1) we negotiate, either through our own efforts or as a
result of our debt resolution strategy, the settlement of a Debt, 2) you agree to the terms of the settlement, and 3)
you make a payment toward the settlement of the Debt (unless the terms of the settlement require no
2. FEES AND COSTS OF SERVICES
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ROYAL LEGAL GROUP
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payment by you, in which case we would still be entitled to receive our fee for resolving that Debt). We will
charge the proportionate share of the Retainer Fee for that Debt (based on the enrolled amount of the Debt) and
25 % of the enrolled amount of the Debt on the Effective Date as reflected in the attached Creditor Listing,
subject to any modifications which may occur as discussed in Sections 2.9 and/or 2.10.
A. Although the settlement offers we negotiate, either through our own efforts or as a result of our debt
management strategy, may have terms that require a single payment (for example, a $1,500 lump sum
payment to settle a $4,000 debt) or that require a number of payments (for example, payments of $500
per month for eight months to settle a $10,000 debt), our fee for the settlement of any Debt is earned, and
is charged in full, at the time you make the first payment to a Creditor on an agreed-upon settlement of
that Debt.
B. We will present you with a settlement offer once you have accumulated sufficient funds in your Dedicated
Account to pay both the negotiated amount of the settlement and our fee associated with that Debt. Our
fees, once earned, will be paid to us by your dedicated account provider based on your authorization in
this Agreement.
2.4.
Application of Client Funds
All funds paid by Client will be saved in Client’s Dedicated Account held by a third party dedicated account
holder (See Dedicated Account Agreement) for use in making payments toward any settlements Royal
negotiated and paying Royal’s fees under the terms of this Agreement.
All funds in Client’s Dedicated Account shall remain under Client’s control at all times, and may be
withdrawn by Client at any time without penalty. If Client notifies Royal or the third party dedicated
account holder of a request to withdraw their funds, Client shall be entitled to receive all funds in the
Dedicated Account, other than any funds that have previously been earned by Royal under the terms of
this Agreement, within seven (7) business days of such request.
It is strongly recommended that Client retain all funds available for settlement payments and fees to allow Royal
the greatest ability to effectively represent Client under the terms of this Agreement.
2.5.
Method of Payment
Under this Agreement, Client agrees:
a. to have Client’s fees and costs as agreed to in this Agreement, to be automatically drafted by Client’s third
party dedicated account holder from Client’s bank account into an authorized Federal Deposit Insurance
Corporation (“FDIC”) insured bank account held in Client’s name (the “Dedicated Account”) with
Client’s first payment to start on
______________,
and thereafter each month on the _____ day; and
2.6 Program Completion and Pre-Payment of Program Fees
If Royal resolves all debts listed in this Agreement before the scheduled date of Client’s final Service Cost
payment, Client must continue to make all payments for the Service Cost and Retainer outlined in this
Agreement.
2.7.
Costs of Litigation Services – Court Costs and Trial Preparation Costs
a. Client must pay all costs associated with Litigation Services, including the payment of any court filing
fees or any other court-imposed costs associated with the litigation. These costs vary by jurisdiction.
Royal will NOT advance such costs. Client acknowledges that failing to timely pay necessary costs
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ROYAL LEGAL GROUP
RETAINER AGREEMENT
may have adverse consequences, including but not limited to entry of judgment against Client in the
litigation.
b. If a litigated matter proceeds to trial, Client shall also be required to pay the costs associated with Royal’s
trial preparation, which the parties hereby agree in advance shall be set at three hundred fifty dollars
($350.00) per trial (the “Trial Costs”). Trial Costs commonly include but are not limited to, photocopying
and reproduction costs, notary fees, long distance telephone charges, messenger and other delivery fees,
postage, travel costs including parking, mileage, transportation, meals, and hotel costs, investigation
expenses, and other similar items. The Trial Costs must be paid sixty (60) days before the scheduled trial
date unless otherwise agreed upon by Royal and the Client. The Client shall not be responsible for, and
shall be refunded the Trial Costs if the litigation is settled at least thirty (30) days before the trial date.
2.8.
Additional Fees
Client agrees to pay an additional $10.00 telephone payment processing charge for each time Client elects to
make any payments by telephone.
2.9.
Increases in Balances of Accounts Subject to Representation
a. Client acknowledges and agrees that Client will not continue to incur any additional debt on any accounts
subject to this Agreement, other than late fees, interest, and penalties. Any additional charges you incur
after the Effective Date on any Debt will impair our ability to secure settlement offers. Accordingly, you
agree not to incur any additional charges on any Debt after the Effective Date. This Agreement covers
only the obligations listed in the attached Creditor Listing. In the event, you incur any additional charges
on any Debt after the Effective Date, you agree that we may adjust the balance of such Debt (as well as
the amount of our fee associated with the resolution of such Debt) to include the amount of the additional
charges.
b. Client’s program fees, program length, and draft amounts may increase due to any additional balances
incurred by Client.
2.10.
Verifying Your Debt Balance
If you have completed the Creditor Listing (enclosed with this Agreement and incorporated by reference) based
on one or more credit card statements dated prior to the Effective Date, or without any credit card statement at
all, the Creditor Listing may not reflect the actual amounts owed to each of your Creditors. If we determine
this to be the case, we may, at our discretion, contact some or all of your Creditors to ascertain the exact amount
owed to such Creditor(s) as of the Effective Date. If we substantiate that the amount actually owed to any Creditor
on the Effective Date differs from the amount set forth in the Creditor Listing, you agree that the amount shall
be deemed restated to reflect the actual amount of the Debt as of the Effective Date, with any corrected amount(s)
controlling for all purposes going forward, including calculation of the Retainer Fee and Service Cost charged
under the terms of this Agreement.
2.11.
Should Client Default on Negotiated Settlement Terms
In the event Royal negotiates the settlement of a Debt for Client with agreed-upon payment terms accepted by
Client, and Client fails to comply with the terms of the settlement agreement, Royal is not required to renegotiate
the debt. Client may request Royal to renegotiate such debt, and will be subject to an additional fee of two-
hundred-ninety-nine dollars ($299.00) per renegotiation at the Client’s expense. Client acknowledges and agrees
to the following with respect to any such renegotiation(s):
a. The Representation Standard provision only applies to the balance of enrolled debt,
not accounting for payments made on initial settlement prior to default.
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b. Renegotiation may result in the settlement amount increasing.
3.1.
Termination by Client
Client may terminate this Agreement at any time, and for any reason. Should Client terminate this Agreement
before all debts subject to the representation are resolved, all savings and Royal unearned fees in Client’s
Dedicated Account will be refunded to the Client.
3.2.
Termination by Royal
This Agreement may be terminated by Royal at any time for good cause, and upon reasonable notice to Client. In
addition, subject to any applicable legal and ethical standards governing Royal’s right to withdraw representation,
Royal may withdraw from representing Client in any litigation under the terms of this Agreement either with
Client’s consent, or with the permission of the court in which such litigation is pending.
3.3.
Definition of “Good Cause” for Termination by Royal
a. Client’s Failure to Cooperate with Royal. Client must cooperate and comply with all reasonable
requests by Royal and its agents in connection with the services to be performed under this Agreement,
including requests for information and documentation, responses to settlement offers, and matters
related to any litigation. Client acknowledges and agrees that failure to cooperate with Royal is grounds
for Royal to terminate this Agreement and/or to withdraw from representation of Client in any litigation
associated with the Client’s failure to cooperate.
b. Failure to Pay Fees and Costs. If Client fails to pay the fees and costs required under the terms of this
Agreement, Royal may terminate this Agreement and withdraw from representation of Client in any
litigation associated with this Agreement.
c. Failure to Pay Costs of Litigation. In the event that Client fails to pay any of the court filing fees or
other fees or costs associated with the litigation of a listed debt, Royal will not be responsible for acting
in response to the lawsuit until such time as the fees or costs associated with the filing have been
received by Royal. Moreover, Client agrees and acknowledges that the failure to pay the three hundred
fifty-dollar ($350.00) Trial Costs associated with a trial in a timely manner shall constitute sufficient
grounds for Royal to withdraw from representing Client in connection with the lawsuit.
d. Failure to Follow Royal’s Advice on Reasonable Settlements. Client agrees and acknowledges that
Royal has an obligation to Client as both a counselor and as an advocate, and that the underlying
purpose of the Representation is to negotiate settlement of Client’s debts. In the event that Royal
negotiates a reasonable settlement offer and advises the Client to accept, Client agrees that he or she
shall not unreasonably withhold consent to accept the offer. Client acknowledges and agrees that it is
unreasonable to withhold consent on a settlement offer when Client has no valid defense to the litigation
claims at issue or when the settlement offer is within Royal’s Standard of Performance. If Client refuses
to consent to a reasonable settlement offer, Client agrees that Royal may withdraw from representing
the Client in any litigation associated with the settlement offer at issue.
3. TERMINATION OF THIS AGREEMENT
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3.4.
Withdrawal from Representation of Client in Litigation
In the event that Royal is entitled to withdraw from any litigation for whatever reason, Client agrees to execute
any documents necessary to effectuate this withdrawal, including, without limitation, the execution of a
substitution of attorney document that relieves Royal as counsel in the litigation. If Client fails to execute any
necessary documents, Royal may request the court to be relieved as Client’s attorney in that particular matter.
Client acknowledges and agrees that Royal’s withdrawal from any specific litigation does not necessarily
terminate Client’s entire Agreement with Royal for any other litigation or for any other services falling within the
scope of this Agreement. Notwithstanding Royal’s withdrawal and without regard to the reasons for the
withdrawal, Client will remain obligated to pay Royal for any services performed up to and including when Royal
delivers its withdrawal notice to Client or Royal receives a court order authorizing its withdrawal.
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RETAINER AGREEMENT
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4.1. Client’s Responsibilities to Royal
a. In consideration of Royal’s experienced
counselling, work out a feasible monthly payment
plan based on the total amount of debt to be
modified, which contemplates all fees and costs to
Royal as well as funds to deposit for use in settling
debts on which Royal represents Client.
b. Provide Royal with accurate and complete
information relating to any Client’s finances and
the state of Client’s financial hardship as
documented in the attached Hardship and Budget
Information statement.
c. Provide Royal accurate and complete information
and documents relating to any debts subject to
Royal’s representation. These documents must
identify each debt by creditor’s name, current
account balances, and account numbers. Royal is
under no obligation to verify the information
supplied by Client;
b. Forward all correspondence from creditors and
collection agencies as soon as possible, but no
longer than five (5) days from receipt;
c. Make all payments according to the Program
Details;
d. Refrain from discussing debts with creditors or
collection agencies when contacted;
e. Notify Royal in writing of any settlement offers
you receive, including all of the terms and
conditions of the offer;
f. Be willing and able to aid in negotiations when
necessary, and understand that your level of
involvement will not affect the terms of this
Agreement, but may affect the speed and
effectiveness of Royal’s efforts;
g. Respond timely to all requests or communications
from Royal or its representatives, and promptly
provide Royal with any change of address or other
contact information;
h. Make timely and complete payments on
settlements negotiated by Royal and approved by
Client.
4.2. Client’s Authorizations
Client Authorizes Royal to:
a. To disclose information regarding Client’s
financial condition or status to any creditors and
collectors in connection with effective
representation;
b. To hold itself out as Client’s representative to any
party seeking to collect the debts listed in this
Agreement’s Creditor Listing;
c. To engage creditors and collectors to negotiate
reduction of the debts listed in this Agreement’s
Creditor Listing;
4.3. Client Acknowledgments
Client Acknowledges and agrees that:
a. The Program Details and Service Cost are based
on previous settlement averages achieved and
calculated by Royal. Accordingly, the actual
amount paid into the program may vary. More or
less funding may be required to settle all
represented debts;
b. The program’s contemplated duration is an
estimate based on full and timely payment each
month as listed in the Program Details section.
Any variation of payments, as well as many other
factors, can affect the length of the program;
c. The success of Royal’s representation on any
particular debt may vary based on a number of
factors, including your ongoing ability to make
timely deposits to your Dedicated Account, the
willingness of your creditors to negotiate
settlements of your debt and other factors that are
outside Royal’s control;
d. Creditors may still contact you regarding debts
subject to this Agreement. However, you should
notify Royal of harassment, as there may be steps
Royal can take to prevent or rectify illegal
harassment;
Section 4: Additional Terms and Disclosures
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e. Any reduction in the amount owed by Client may
be considered a taxable event. You should consult
a tax professional to determine any tax obligations
they may have as a result of any settlements
negotiated on their behalf;
f. The fees and costs paid to Royal are compensation
for the services described in the Scope of
Engagement and the funds deposited into your
Dedicated Account are for the purpose of saving
funds for settling your accounts with creditors.
Until you authorize and approve any such
settlements, no payments of any kind, including
any monthly minimum payments, will be made to
your creditors on the accounts;
g. You may continue to incur late fees and penalties
on the accounts while enrolled in the program;
h. Your participation in the program will likely have
an adverse effect on Client’s credit score;
i. You should not incur any new or additional debt
and should refrain from using or obtaining credit
during the Royal debt resolution representation.
You understand and agree that all credit cards or
lines of credit shall be closed and that no
additional credit cards or lines of credit should be
applied for during the Royal debt resolution
representation. You understand and
acknowledge that you may keep credit cards out
the program for emergency purposes only. These
credit cards should not be from the same issuing
bank as any accounts you entered into the Royal
debt resolution representation;
j. No debts listed in this Agreement have been
secured by any personal or real property.
k. Active, inactive, or former military personnel
understand that his/her military rank, pay, and/or
benefits may be adversely affected by delinquent
debt accounts and/or a decreased credit rating
and Royal Legal shall not be held responsible for
any negative consequences that may occur by
such personnel by their enrollment into the Debt
Resolution plan.
l. Individuals with, or who are seeking Security
Clearance, including military members,
contractors and consultants, understand that his
or her Security Clearance may be adversely
affected by delinquent debt accounts and/or a
decreased credit rating and Royal Legal shall
not be held responsible for any negative
consequences that may occur by such personnel
by their enrollment into the Debt Resolution plan.
INITIAL HERE
________________________________
4.4. Voluntary Participation
Client understands that participation in Royal’s
program is voluntary and you may, upon written
request, cancel Royal’s services at any time prior to
the original estimated conclusion date of the
program.
Client also agrees that:
a. Early termination may prevent Royal from
providing all services outlined herein and Royal
will not be responsible for any unresolved
accounts upon cancellation.
b. In the event of any early termination of this
Agreement, all Service Costs, Banking Fees, and
Other Fees that have been earned and collected,
shall be considered earned and are non-
refundable.
c. Upon termination of this Agreement, any funds
held in your Dedicated Account, less any amounts
paid or owed in the form of fees and settlement
payments, shall be remitted to you by paper check
or ACH transfer.
d. Royal will not collect any additional fees that
have not previously become due after the
termination date.
e. With Royal’s permission, you may re-enroll
Client Debts after termination. Any re- enrollment
shall be at Royal’s sole discretion and is subject to
a Reactivation Fee in the amount of two hundred
ninety-nine dollars ($299.00).
4.5. Skipped Drafts
a. In the event Client requests to skip a monthly
draft, Client shall notify Royal at least five (5)
business days prior to the scheduled draft.
b. Client will continue to be charged any applicable
fees and costs for any skipped months.
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c. An additional month shall be added onto the
Client’s program to make up for each month
Client skips a draft.
d. Royal may deny a Skip Request and/or limit the
number of approved Skipped Drafts if Royal
determines it is in the Client’s best interest to
continue drafting Client’s monthly payment.
Reasons for denying a Skip Request may include,
but are not limited to, a resulting inability to
negotiate and settle debts, potential acceleration of
litigation and the default of active settlements
4.6. Extension of Representation
a. Subject to the terms of the Performance Standard,
in the event Client’s debts are not fully settled at
the end of the estimated program timeframe,
Royal will automatically extend Client’s program
and continue to draft Client’s monthly payment
unless Client notifies Royal in writing that Client
does not wish to extend representation.
4.7. Additional Disclosures & Disclaimers
a. There are other remedies/solutions available for
clients to relieve themselves of their debt burdens.
Those remedies include bankruptcy and consumer
credit counseling. (See Exhibit A of this
Agreement for further information).
b. Declaring bankruptcy may discharge or allow a
court-imposed repayment plan for the
majority
of Client’s debts. However, this will be reflected
as a permanent record on a Client’s credit report
for up to 10 years. Royal will discuss and advise
Client as to the bankruptcy option, including fees
and costs, at any time that Client’s circumstances
change or Client requests such consultation.
There are no additional fees required from Client
for such consultation and preliminary advice
regarding bankruptcy.
c. Consumer credit counseling may have less
impact on a Client’s credit rating than bankruptcy
and reduce interest rates on current debts, but it
generally requires re-payment of most-to-all of
Client’s existing debt and may not provide
significant monthly payment relief.
4.8. Confidentiality of Client Information
Royal agrees that any information provided by
Client will be kept confidential and only be used in
providing the services delineated in this Agreement,
which may include, among other things, disclosure
of confidential information to appropriate third
parties in order to (a) streamline the negotiation
process and (b) enhance Client’s opportunities for
settlement offers with Client’s various creditors.
Client agrees and acknowledges that such
disclosures will be made with Client’s express
consent and will not require any additional consent
or consultation by Client before such disclosures are
made.
4.9. Counterparts
This agreement may be signed in any number of counterparts, each of which is an original and all of which
taken together form one single document. Signatures delivered by facsimile or by email in PDF format shall
be effective.
4.10. Full and Only Agreement
This Agreement is the full and only agreement between the parties. All prior negotiations and discussions
are superseded by this Agreement. Royal has made no representations other than those expressly set forth
in this Agreement, and neither Party has relied upon any representations or promises other than those
expressly set forth herein.
ROYAL LEGAL GROUP
RETAINER AGREEMENT
PRIVATE AND CONFIDENTIAL
Page 15
In the event of any controversy, claim or dispute between the Parties arising out of or relating to this
agreement or the breach, termination, enforcement, performance, interpretation or validity thereof, including
any determination of the scope or applicability of this agreement to arbitrate, shall be determined by
arbitration in the county in which the Client, in accordance with the laws of the state of the Client’s residence.
The Parties agree that the arbitration shall be administered by the American Arbitration Association ("AAA")
or JAMS, or in the event of their unavailability, an arbitration service with substantially similar rules and
arbitrator rosters, pursuant to its rules and procedures, and a single arbitrator shall be selected to preside by
the arbitration service. The arbitrator shall be neutral and independent and shall comply with the relevant
code of ethics. Any award rendered by the arbitrator shall be final and shall not be subject to vacation or
modification. Judgment on the award made by the arbitrator may be entered in any court having jurisdiction
over the Parties. If either Party fails to comply with the arbitrator’s award, the injured Party may petition the
applicable court for enforcement.
The Parties agree that either Party may bring claims against the other only in his/her or its individual capacity
and not as a plaintiff or class member in any purported class or representative proceeding. Further, the Parties
agree that the arbitrator may not consolidate proceedings of more than one person’s claims, and may not
otherwise preside over any form of representative or class proceeding.
The Parties shall share the cost of arbitration, including attorneys’ fees, equally. If the Client’s share of the
costs is greater than $2,000.00 (Two-thousand dollars), Royal will pay the Client’s share of costs in excess
of that amount.
Binding arbitration means that both Parties give up the right to a trial by a jury and their rights to
have a dispute resolved in a court of law. It also means that both Parties give up the right to appeal
from the arbitrator’s ruling except for a narrow range of issues that can or may be appealed. It also
means that discovery may be severely limited by the arbitrator. In addition, under the terms of this
Agreement, the parties also give up the right to bring any claims on a consolidated or class action basis.
In addition, certain remedies, such as statutory injunctions and fee shifting, that may be available in a
court of law may not be available in an arbitration.
In the event a Party brings suit against the other Party in federal, state or local court instead of proceeding
with arbitration, or unsuccessfully challenges the arbitrator’s award, or fails to comply with the arbitrator’s
award, the other Party is entitled to costs of suit, including reasonable attorneys’ and paralegals’ fee and costs
for having to compel arbitration or defend or enforce the award. This section and the requirement to arbitrate
any dispute shall survive any termination.
PLEASE CONSULT WITH INDEPENDENT LEGAL COUNSEL OF YOUR CHOICE PRIOR TO SIGNING
THIS AGREEMENT AS THE BINDING ARBITRATION REQUIREMENT AND CLASS ACTION WAIVER
CONTAINED HEREIN AFFECT YOUR RIGHTS, PLEASE DO NOT SIGN THIS AGREEMENT IF YOU DO
NOT UNDERSTAND THESE LIMITATIONS.
Initial:
5. ARBITRATION AGREEMENT AND WAIVER OF CLASS ACTION
INITIAL HERE
ROYAL LEGAL GROUP
RETAINER AGREEMENT
PRIVATE AND CONFIDENTIAL
Page 16
Class Action Waiver
Any court trial (whether before a judge or jury) or arbitration of any controversy, claim or dispute between the
Parties will take place on an individual basis without resort to any form of class or representative action (the "Class
Action Waiver"). THE CLASS ACTION WAIVER PRECLUDES ANY PARTY FROM PARTICIPATING IN
OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION REGARDING A
CONTROVERSY, CLAIM OR DISPUTE. Each of the Parties waives the right to litigate in court or arbitrate any
controversy, claim or dispute between the Parties as a class action, either as a member of a class or as a
representative, or to act as a private attorney general.
Please consult with independent legal counsel of your choice prior to signing this agreement as the class action
waiver and/or binding arbitration requirement (as applicable) contained herein affect your rights. Please do not
sign this agreement if you do not understand these limitations.
Initial:
I represent that I have read, understand and agree to be bound by the terms of this Client Representation
Agreement as set forth above and in the documents incorporated in this Agreement. I further acknowledge
that the terms and conditions of this Agreement have been explained to my satisfaction by a representative of
Royal and that I have no unanswered questions about the program or this Agreement. I confirm that I agree
to arbitrate any claims and to waive any right to bring or participate in a class action against Royal.
Agreed to this day of , 20
Signature of Client
Signature of Co-Client
Signature of Royal
SIGN HERE
SIGN HERE
INITIAL HERE
PRIVATE AND CONFIDENTIAL
Page 17
ROYAL LEGAL GROUP
NOTICE OF RIGHT TO CANCEL
Date of Transaction:
You may CANCEL this transaction, without Penalty or Obligation, including any agreements you signed at the
in-person meeting with the Royal attorney and/or paralegal, for up to FIVE BUSINESS DAYS from the above
date. If you cancel, you will not be obligated to make any payments to the law firm and any agreements or other
documents that you signed will be null and void. To cancel this transaction, mail or deliver a signed and dated
copy of this Cancellation Notice or any other written notice to the address below NOT LATER THAN
MIDNIGHT OF (five business days after the Date of Transaction).
I HEREBY CANCEL THIS TRANSACTION.
Date:
Client’s Name:
Co-Client’s Name:
Client’s Signature:
Co-Client’s Signature:
Please send to:
Royal Legal Group, LLC
7500 College Blvd, 5th floor
Overland Park, KS 66210
(Sign and return this document only if you decide to CANCEL this transaction within
five business days of the Date of Transaction shown above.)
Notice of Right to Cancel
PRIVATE AND CONFIDENTIAL
Page 18
ROYAL LEGAL GROUP POWER OF ATTORNEY
I/We, , ,
Located at ,
In the City of , State of Zip ,
hereby appoint The Royal Legal Group (“Royal”) as my/our attorney-at-law to do the acts described in this Power of
Attorney. Royal (and/or its designees) is hereby authorized to act as my/our attorney and to fully represent me/us in any
litigation or negotiation of the modification, reduction, settlement, and payment on any and all debts allegedly due and
owning in my/our name. Litigation representation includes attendance at required court hearings, if applicable.
I/We authorize Royal to request and receive confidential credit and account information from creditors, credit bureaus,
collection agencies, creditor attorneys, or any other third parties who may be in possession of such information and would
be viewed by me/us personally.
This Power of Attorney revokes all earlier Power of Attorney given by, or on behalf of, me/us relating to all communications
of creditors’ claims and shall be effective and binding on me/us until revoked by an instrument in writing executed by me/us.
I/We further authorize Royal to release a copy of this Power of Attorney to my/our creditors or their agents. A copy of this
Power of Attorney shall be deemed as effective as an original.
Client Social Security Number
Co-Client Social Security Number
Power of Attorney
State of County of
The foregoing instrument was acknowledged by me this day of , 20
by: who is/are personally known by me or who
has/have produced: as identification and who did not take an oath.
Notary Public:
Executed on
SIGN HERE
Client Signature
SIGN HERE
Co-Client Signature
PRIVATE AND CONFIDENTIAL
Page 19
ROYAL LEGAL GROUP ELECTRONIC PAYMENT AUTHORIZATION
By signing below, I authorize Royal Legal Group (Royal) (or their designees) to process debit entries from my
checking, savings, or other FDIC-insured bank account. This authority shall remain effective until cancelled by
me in writing, at least five (5) business days prior to my scheduled payment due date. I will provide Royal with
a voided check or savings deposit slip.
Name on Account (Please Print):
Please transfer payments directly from my Checking account, Savings account, or Other account.
Bank Name:
Bank Address:
City: St: Zip:
Bank Phone #:
**Routing # | | | | | | | | | | Account #
*Routing numbers are always 9 digits long and always start with 0, 1, 2, or 3.
Authorized
Signature on Account Printed Name Date
Attach Voided Check or Savings Deposit Slip Here
Electronic Payment Authorization
PRIVATE AND CONFIDENTIAL
Page 20
ROYAL LEGAL GROUP CREDITOR LISTING
Creditor / Collection
Agency
Account
Number
Balance
Account Holder(s)
Last Payment
Date
Total Debt Owed:
$
Creditor Listing
PRIVATE AND CONFIDENTIAL
Page 21
INITIAL HERE
ROYAL LEGAL GROUP ELECTRONIC COMMUNICATION VERIFICATION
Please print your email address on the line below:
You will receive an email of the Letter of Engagement and other documents executed today in the next three (3)
business days. In case you do not receive an emailed copy, due to faulty address or lack of email address provided
above, you will still receive copies of these documents with your Welcome Package. The Welcome Package will
be mailed to you shortly after you are enrolled.
Please initial here to indicate you understand the above terms of email delivery:
Electronic Communication Verification
PRIVATE AND CONFIDENTIAL
Page 22
ROYAL LEGAL GROUP HARDSHIP AND BUDGET INFORMATION
Reason for Hardship
Temporary Loss of Work Company Reduced Hours
Loss of Job Pay Cut
Medical Problems Disability
Personal Injury Loss of Spouses Income
Divorce Other
Please Briefly Explain Hardship:
BUDGET ANALYSIS (All information should be on a monthly basis)
Client Net Monthly Income
Co-Client Net Monthly Income
Total Income
Funds Available
Mortgage/Rent
$
0.00
Household Items
$
0.00
Home Owners Insurance
$
0.00
Clothing
$
0.00
Life Insurance
$
0.00
Laundry/Dry Cleaning
$
0.00
Medical Care
$
0.00
Utilities
$
0.00
Child Care / Support / Alimony
$
0.00
Telephone
$
0.00
Cable TV / Satellite
$
0.00
Auto Loans
$
0.00
Charity / Donations
$ 0.00
Auto Other
$
0.00
Entertainment
$ 0.00
Auto Insurance
$ 0.00
Gym / Health
$
0.00
Education
$
0.00
Personal Care
$
0.00
Student Loans
$
0.00
Back Taxes
$
0.00
Misc / Other
$ 0.00
Food
$ 0.00
Total Expenses
$ 0.00
By executing this agreement, you are representing that you have considered these other options and further, that
you have provided us with accurate information, including your financial information and the state of your financial
hardship as documented in your hardship statement.
Hardship and Budget Information
$
$
$
0.00
$
PRIVATE AND CONFIDENTIAL
Page 23
ROYAL LEGAL GROUP
DISCLOSURE AND ELECTION OF SERVICES
Bankruptcy and Debt Negotiation
Royal is a full-service debt resolution law firm which
provides services including debt negotiation and
restructuring and bankruptcy services. The following
provides information about these approaches to debt
resolution for your review. Clients should fully
understand the advantages and disadvantages of each
to make an informed decision.
Bankruptcy
Bankruptcy will usually discharge your unsecured
debt and your creditors are not permitted to contact
you once you have filed with the court. There are two
kinds of bankruptcy: Chapter 13 bankruptcy where
you are generally able to keep property that is
mortgaged, such as your house or car, and are
expected to repay debts in three to five years, and
Chapter 7 bankruptcy where you must give up all
non-exempt property and assets that you own in
exchange for a discharge of most debt. Bankruptcy
may be appropriate if you have pending foreclosures,
collection litigation or wage garnishments; however,
you may have issues in reestablishing credit for up to
ten years. In 2005, the bankruptcy law was changed
to make it more difficult for some consumers to file
Chapter 7 bankruptcy based on a financial means test
and credit counseling requirements that may require
a repayment of some of your debt.
Royal is a debt relief agency under the United States
Bankruptcy Code Sections 527 (a) and (b), and we
are required to provide the following information and
notice:
A debt relief agency providing bankruptcy assistance
to an assisted person shall provide—
(1) The written notice required under section 342(b)
(1); and
(2) To the extent not covered in the written notice
described in paragraph (1), and not later than 3
business days after the first date on which a debt
relief agency first offers to provide any bankruptcy
assistance services to an assisted person, a clear and
conspicuous written notice advising assisted persons
that—
(A) All information that the assisted person is
required to provide with a petition and thereafter
during a case under this title is required to be
complete, accurate, and truthful;
(B) All assets and all liabilities are required to be
completely and accurately disclosed in the
documents filed to commence the case, and the
replacement value of each asset as defined in section
506 must be stated in those documents where
requested after reasonable inquiry to establish such
value;
(C) Current monthly income, the amounts specified
in section 707(b) (2), and, in a case under chapter 13
of this title, disposable income (determined in
accordance with section 707(b) (2)), are required to
be stated after reasonable inquiry; and
(D) Information that an assisted person provides
during their case may be audited pursuant to this title,
and that failure to provide such information may
result in dismissal of the case
under this title or other sanction, including a criminal
sanction.
IMPORTANT INFORMATION ABOUT
BANKRUPTCY ASSISTANCE SERVICES
FROM AN ATTORNEY OR BANKRUPTCY
PETITION PREPARER
If you decide to seek bankruptcy relief, you can
represent yourself, you can hire an attorney to
represent you, or you can get help in some localities
from a bankruptcy petition preparer who is not an
attorney. THE LAW REQUIRES AN ATTORNEY
OR BANKRUPTCY PETITION PREPARER TO
GIVE YOU A WRITTEN CONTRACT
SPECIFYING WHAT THE ATTORNEY OR
BANKRUPTCY PETITION PREPARER WILL
DO FOR YOU AND HOW MUCH IT WILL
COST. Ask to see the contract before you hire
anyone.
The following information will help you to
understand what must be done in a routine
bankruptcy case and will help you to evaluate how
much assistance you may need. Although bankruptcy
can be complex, many cases are routine.
Bankruptcy vs Debt Negotiation and Election of Services
ROYAL LEGAL GROUP
DISCLOSURE AND ELECTION OF SERVICES
PRIVATE AND CONFIDENTIAL
Page 24
Before filing a bankruptcy case, either you or your
attorney should analyze your eligibility for different
forms of debt relief available under the Bankruptcy
Code and which form of relief is most likely to be
beneficial for you. Be sure you understand the relief
you can obtain and its limitations. To file a
bankruptcy case, documents called a Petition,
Schedules and Statement of Financial Affairs, as well
as in some cases a Statement of Intention need to be
prepared correctly and filed with the bankruptcy
court. You will have to pay a filing fee to the
bankruptcy court. Once your case starts, you will
have to attend the required first meeting of creditors
where you may be questioned by a court official
called a ‘trustee’ and by creditors.
If you choose to file a chapter 7 case, you may be
asked by a creditor to reaffirm a debt. You may want
help deciding whether to do so. A creditor is not
permitted to coerce you into reaffirming your debts.
If you choose to file a chapter 13 case in which you
repay your creditors what you can afford over 3 to 5
years, you may also want help with the preparation
of your chapter 13 plan and with the confirmation
hearing on your plan which will take place before a
bankruptcy judge.
If you select another type of relief under the
Bankruptcy Code (other than chapter 7 or chapter
13), you will want to find out what should be done
from someone familiar with that type of relief.
Your bankruptcy case may also involve litigation.
You are generally permitted to represent yourself in
litigation in bankruptcy court, but only attorneys, not
bankruptcy petition preparers, can give you legal
advice.
Debt Negotiation
Debt Negotiation is a process where the law firm,
based on your specific circumstances, develops a
plan to manage your debt resolution with your
creditors. In general terms, it is a process of
negotiating with your creditors for a lower balance or
forgiveness of debt, a reduced interest rate, a reduced
monthly payment or other restructuring alternatives.
To be successful in debt negotiation, you need to
have sufficient cash flow to meet your living
expenses each month and provide some funds
towards resolution of your debt.
If appropriate for your situation, Royal will contact
your unsecured creditors in writing to notify them
that you are represented by the law firm and that we
are advising you as to all alternatives for debt
resolution. As you have indicated in
your compliance review, you prefer Royal to attempt
debt negotiation as an alternative to bankruptcy or
other options. However, if your financial
circumstances change, we will advise you as to other
debt resolution alternatives, including those outlined
above, so you can make an informed decision based
on our advice.
If you have any questions regarding the above
options, please contact us for further explanation. If
you are ready to proceed, sign below your
acknowledgement that you have reviewed the
available debt resolution options and have
determined that debt negotiation by Royal is your
preference, subject to your ability to request a
different alternative if your circumstances change in
the future.
I have reviewed all debt resolution options available to me including doing nothing, filing for bankruptcy
and consumer credit counseling, and elect to pursue debt negotiation services with Royal, subject to my
ability to request other alternatives, based on changes in my financial circumstances.
Client
SIGN HERE
Date
Co-Client
SIGN HERE
Date
ROYAL LEGAL GROUP
CREDIT UNION DISCLAIMER
PRIVATE AND CONFIDENTIAL
Page 25
Disclaimer – Settlement of Credit Union Accounts
This confirms my/our understanding and acknowledgement that, in the experience of Royal, credit union debt
accounts are often resolved for higher settlement amounts, meaning that such debts may cost me/us more to
settle and result in smaller reductions from the debt amounts at the time of enrollment. For this reason, Royal
provides no assurance that such debts will be settled for any amount.
I/we acknowledge that my current credit union account(s) that are to be enrolled into the program are NOT
cross‐collateralized with any other credit union obligation(s). I/we understand that in the event it is later
determined that any enrolled credit union account is cross‐collateralized with any other credit union
obligation that any enrolled credit union account(s) would be removed from the program and become my sole
obligation to be resolve in the manner I see fit.
Further, I/we acknowledge that Royal would thereby have no obligations to represent me regarding these
accounts whether ongoing or in the future.
Client Signature Co-Client Signature
Date
Date_______________
Client Name Co‐Client Name
Sign Here
ROYAL LEGAL GROUP
STUDENT LOAN DISCLAIMER
PRIVATE AND CONFIDENTIAL
Page 26
Disclaimer – Settlement of Private Student Loan Accounts
This confirms my/our understanding and acknowledgement that, in Royal Legal Group’s experience, private
student loan accounts may cost me/us more to settle and result in a smaller reduction from the debts at the time
of enrollment. For this reason, Royal Legal Group provides no assurance that such debts will be settled for any
amount. I/we acknowledge that my private student loan account(s) that are to be enrolled into the program are
NOT cross‐collateralized with any other obligations with the same lending institution, are unsecured, and are
not federally‐backed loans. I/we understand that in the event it is later determined that any enrolled private
student loan account does not meet the criteria above, Royal Legal Group shall have the right to remove such
account from the program and the removed account shall become my sole obligation to be resolved in the
manner I see fit. I/we acknowledge that Royal Legal Group would thereby have no obligations to represent me
regarding any removed accounts whether ongoing or in the future.
Furthermore, I/we understand private student loan accounts tend to have significantly higher average enrolled
balances than those of traditional unsecured credit obligations. Accordingly, I/we understand that private
student loan accounts may require a longer period of time to resolve when compared to my/our other enrolled
accounts.
Client Signature: Co‐Client Signature:
Date:
Client Name: Co‐Client Name:
ROYAL LEGAL GROUP
COMMUNICATION AUTHORIZATION
PRIVATE AND CONFIDENTIAL
Page 27
AUTHORIZATION TO COMMUNICATE AND NEGOTIATE WITH CREDITORS AND
COLLECTION AGENCIES
I (We) authorize Royal Legal Group. (“LEGAL GROUP”) including its agents and representatives, to take the
following actions:
1. Communicate with my (our) creditors, including but not limited to any agent, representative or third-party
collection agency or law firm, and discuss any and all details of my (our) financial situation, all for the purpose of
negotiating settlements of my (our) debt obligations; and
2. Obtain records, debt validations, credit reports and support for the debts allegedly owed on my (our) behalf.
I (we) affirm that all of the information that I (we) have or will provide to LEGAL GROUP is accurate, timely and
correct. I expressly acknowledge that 1) LEGAL GROUP is a law firm that has been retained to provide me with
legal advice and/or representation,
The recipient of this Authorization, whether by original, photo copy, facsimile or electronic copy is specifically
authorized and instructed by the undersigned party(ies) to contact or receive communications from LEGAL GROUP
or employees, regarding any of the purposes listed herein.
Client Name:________________
Date:_________________
SSN#_________________
Signature: _________________
Co-Client Name :_____________
Date:_________________
SSN#_________________
Signature: _________________
ROYAL LEGAL GROUP
AFFIDAVIT OF COMPLIANCE
PRIVATE AND CONFIDENTIAL
Page 28
I, as a representative affiliated with and under contract to The Royal Legal Group,
PLLC, in my role as a Member, Partner, Employee or Independent Contractor of said firm (Royal), confirm that I have conducted a
personal and face-to-face meeting with (Client’s Full Legal Name) to review the
Client’s file
and present all relevant information regarding our representation of said Client, as it relates to our Letter of Engagement to legal
representation, including debt resolution and financial workout services, to Client. I have determined that no fees have been received
from Client prior to the execution of the Letter of Engagement on this date and such execution has taken place in my presence following
my in-person meeting with Client. This Affidavit of Compliance establishes a written record to verify compliance with any and all
applicable local, state or federal laws or regulations (collectively the “Applicable Laws”), including, but not limited, to the
Telemarketing and Consumer Fraud and Abuse Prevention Act, 15 U.S.C. 6101-08, and the Telemarketing Sales Rule, as amended, 16
C.F.R. Part 310; 75 Fed. Reg. 48458, 48522.
The following subjects were reviewed with Client in writing and, where appropriate, orally or in response to questions regarding
such representation:
1) That debt resolution that alters the terms of payment of unsecured debt might have a negative effect on Client’s credit and that Royal
does not clean up, fix, or repair credit. The program may result in the customer being subject to collections or sued by creditors or debt
collectors, and may increase the amount of money the customer owes due to the accrual of fees and interest.
2) That the scope of the representation is specifically limited to the following:
a. Determine which specific debt resolution option is most appropriate for Client, including an initial review of their budget,
income and debt;
b. Review Client’s current unsecured debt burden and thereafter negotiate and attempt to negotiate settlements with Client’s
creditors in an effort to modify or restructure Client’s current unsecured debt;
c. Provide litigation defense as outlined in the Letter of Engagement.
3) A full review of all fees and costs associated with the representation of the Client.
4) The Client has been advised that the attorney or paralegal who conducted the initial meeting with Client limits their scope of
representation or presentation to that initial meeting and review of the Client’s file. The Client was made aware that the actual
supervising attorney for their file may be a different attorney of the law firm who is licensed in their state.
5) A full review of the arbitration provision, including the fact that, by electing to go to arbitration, both parties were waiving certain
rights, including the right to a trial in a court of law.
Names of all attendees:
Start Time: End Time:
Location of Meeting:
Have any materials been provided or presented to the attendees in addition to the Enrollment Documents, the Face to
Face Script, and the Face to Face Power Point Presentation? NO YES (Circle One)
If so, indicate here and scan/upload all such additional documents or materials:
I affirm the above statements are true and accurate.
Executed on this Date:_
Representative on behalf of Royal Legal Group:
Name:
Signature:
I affirm the above statements are true and accurate.
Client Name: Signature
Affidavit of Compliance
SIGN HERE
PRIVATE AND CONFIDENTIAL
DEDICATED ACCOUNT AGREEMENT AND APPLICATION
I. This Dedicated Account Agreement and Application
(“Agreement”) contains the terms, conditions, and disclosures that apply to
your dedicated account (“Account”). By signing this Agreement or using your
Account, you agree that this Agreement shall apply; and you agree to abide
by all of the terms and conditions set forth herein, including the requirement
to arbitrate any dispute with Global Client Solutions, LLC (“Global’) according
to the terms of the “ARBITRATION OF DISPUTE” provision in paragraph XVII
on page 2 of this Agreement. You are directed to read the “ARBITRATION
OF DISPUTE” provision in paragraph XVII on page 2 of this Agreement
carefully, as you are giving up your right to bring a lawsuit before a judge or
jury in a court of law. If you have any questions that you do not believe are
addressed in this Agreement, you can and should call, email, or write Global
at the number or addresses shown at the end of this Agreement. Please
review this Agreement carefully and keep it with your other important records.
In this Agreement, the words, “I”, “me”, “mine”, “my”, “you” and “your” mean
you and any other party who you authorize to use your Account.
II. Purpose, Nature and Use of the Account: Your Account is a
dedicated account that you can use in connection with the debt settlement
program you have undertaken. Global is not a party to your debt settlement
program and does not participate in the negotiation of your debts. In general,
you will be making periodic deposits to your Account from your primary bank
account, and you will be periodically disbursing funds from your Account to
repay your debts and the costs associated with your Account and your debt
settlement program. Your Account is a Federal Deposit Insurance Corporation
(“FDIC”) insured sub-account within a master custodial account maintained at
a bank designated or selected by Global. The bank is not a party to your debt
settlement program and does not participate in the negotiation of your debts,
and is an intended third-party beneficiary of this Agreement, including the
“ARBITRATION OF DISPUTE” provision in paragraph XVII on page 2 of this
Agreement. Additionally, you authorize Global to transfer your Account to
another FDIC insured institution under the existing terms. Global will provide
written notice to you of such change. Any such notice, and any other written
notice that is provided for in this Agreement, will be sent to you at either the
physical address you have provided in the application portion of this
Agreement and/or the email address you establish with Global. If an email
address is not provided to Global, all notices will be sent to you at the physical
address you provided in the application portion of this Agreement. Your
Account may not be used for any illegal purpose.
III. Passcodes / Passwords: You will be provided with a four-digit
passcode (your “Passcode”) that will enable you to access your Account via
the telephone and to identify yourself when contacting a customer support
representative. You will also be provided with an initial Internet password
(your “Password”) that will enable you to access your Account via the Internet.
You may change your Password at any time for security purposes and you
are encouraged to do so from time to time. You are responsible for the
protection and use of your Passcode and Password. Do not disclose your
Passcode or Password to anyone who does not have your permission to
access your Account.
IV. Telephonic / Electronic Communications: You authorize Global to
accept and act upon any instruction received from you or authorized by you
under this Agreement concerning your Account, where you have
communicated that instruction or authorization by telephone, facsimile, email
or other electronic means using a telephone keypad or computer. Use of your
Passcode, Password or any other form of identification designated by you in
any transaction constitutes and will be accepted as your electronic signature,
as that term is used in the federal Electronic Signatures in Global and National
Commerce Act and other applicable laws.
V. Authorizing and Initiating Transactions: In this Agreement you
authorize certain transactions involving your Account. Unless you direct
otherwise in writing, Global may also act on those instructions that you
conveyed to your Sponsor, as defined in the application portion of this
Agreement, and such instructions may be acted on without further
confirmation. From time to time, you may change those instructions and/or
give other instructions to initiate deposits to or disbursements from your
Account by contacting Global’s Customer Support. In any event, you must
always provide a reasonable period of time to act on your instructions. All
deposits to your Account will be authorized and initiated pursuant to your
instructions, and all disbursements from your Account will be authorized and
initiated pursuant to your instructions provided your Account contains
sufficient funds to cover the amount of the disbursement. However, neither
Global, nor any service provider to Global shall be responsible for
determining when a payment is actually due, nor shall they be responsible
for determining whether a payment is for the correct amount or otherwise
proper. Global’s sole obligation in this regard will be to execute your
payment instructions in a commercially reasonable manner as soon as
practical after receipt of such instructions. Global shall not be responsible
for any late payment fee, penalty or other charge levied by any of your
creditors, for any failure of any of your creditors to accept a proposal for
settlement or honor a settlement; or for any other adverse action taken by
your creditor or any other party. Global shall not be liable for any
consequences or damages you may claim resulting from Global acting on
your instructions.
VI. Fees and Charges: The “SCHEDULE OF FEES AND CHARGES”
identifies the fees and charges you are obligated to pay Global in
connection with this Agreement and your Account; and you agree that these
fees and charges may be deducted directly from your Account. The fees
and charges in the “SCHEDULE OF FEES AND CHARGES” are the only
fees associated with Global’s services and your Account. The Monthly
Service Charge for the first month in which your Account is established will
not be prorated and will be deemed earned in full as of the day the Account
is established, e.g., if your Account is established on the 15
th
day of a
month, the Monthly Service Charge for such month shall be earned as of
that day. Thereafter, the Monthly Service Charge will be deemed earned in
full on the first day of each calendar month during which your Account
remains open. Other fees will be deemed earned at the time of the
transaction or the event that gives rise to the fee. You expressly
acknowledge that Global may increase the fees and charges associated
with your Account at any time, and that you will be provided with written
notice at least thirty (30) days’ prior to such increase. Global shall not be
responsible for any other fees and/or charges that you may incur arising
from or related to your debt settlement program.
VII. Termination of Agreement / Account Closure: You may
terminate this Agreement and close your Account at any time by sending a
written notice to Global’s Customer Support. The written notice must
provide Global with the following information:
1. Your full name and current address;
2. Your Account number;
3. The date of the request; and
4. Your request to close your Account.
Please provide Global with sufficient time to process the request. In
addition, Global may suspend, cancel or terminate this Agreement and your
Account at any time without notice for inactivity, or if your Program has been
terminated or is no longer being managed, if your Account is improperly
maintained or used, or if you otherwise violate any provision of this
Agreement. If this Agreement is terminated for any reason, the collected
balance in your Account will be sent to you by check within a reasonable
period of time.
VIII. Monthly Statements: You will receive your first monthly statement
by mail showing your Account activity and balance by mail. Thereafter,
monthly statements will be available online, and may be accessed using
your login information and Password. Should you desire to continue
receiving a paper statement via the United States Postal Service, please
contact Global’s Customer Support and make a request to receive mailed
paper statements. You may obtain balance and transaction information by
using your Passcode to access your Account over the telephone, by using
your Password to log into Global’s website, or by calling Global’s Customer
Support. You agree to review each of your statements carefully and to
report any erroneous, improper, or unauthorized transactions promptly.
IX. Non-Interest Account: Your Account is a non-interest bearing
Account.
X. Unauthorized Transactions and Customer Responsibility: You
should never share your Passcode or Password(s) with anyone and should
keep your Account information and papers in a secure place. If you believe
someone has transferred or may transfer money from your Account without
your permission, contact Global’s Customer Support immediately.
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Initials:
Page 2 of 4
Initials:
XI. FDIC Insurance: The funds in your Account will be FDIC insured up
to a maximum of $250,000.00. The insured amount may increase or decrease
and is subject to limits set and reset by the FDIC from time to time.
XII. Incomplete Transactions: Neither Global nor any service provider
to Global shall be liable for failing to complete a transaction due to insufficient
funds in your Account; or if circumstances beyond their control prevent the
completion of the transaction, including, without limitation, the acts or
omissions of any ACH, check or other processor, the National Automated
Clearing House Association, the Federal Reserve System, any bank, or the
directive of any regulatory authority.
XIII. Error Resolution Procedures: In the event of potential errors or
questions concerning specific transactions involving your Account, you must
call or write Global’s Customer Support no later than sixty (60) days after the
transaction in question appears on your monthly statement. Furthermore, at
the very minimum you must provide Global with the following information:
1. Your full name and Account number;
2. The date and amount of the transaction;
3. The type of transaction and a description of the suspected error
(please explain as clearly as possible why you believe there is an
error or why you need additional information); and
4. The dollar amount of the suspected error.
If you provide the information over the phone, you may be asked and required
to provide it again in writing within ten (10) business days. Global will inform
you of the results of the investigation of the suspected error within ten (10)
business days after you submit the information and any error will be promptly
corrected. However, if Global requires more time to investigate the suspected
error, it may take up to an additional thirty (30) days to complete the
investigation. If Global determines that there is no error, you will be provided
with a written explanation within three (3) business days of such
determination; and you may ask for and receive copies of the documents
used in making any such determination.
XIV. Creditor Disputes: You understand and agree that Global is not
a party to your debt settlement program, and does not participate in the
negotiation of your debts. This Agreement is separate and independent
of any contractual obligations you may have with your creditors or debt
settlement provider. Accordingly, you hereby expressly acknowledge
that Global does not have any involvement in or responsibilities of any
kind or nature with respect to your contractual agreement with your
creditors or your debt settlement provider, your debt settlement
program or the results that you may or may not achieve from your
participation in a debt settlement program. Furthermore, you hereby
expressly acknowledge that any representation, statement, or
obligation made by your debt settlement provider or made in connection
with your debt settlement program is not made on Global’s behalf, and
does not and cannot bind Global. Finally, you expressly acknowledge
that Global shall not be liable for any actions taken by, or conduct of,
your debt settlement provider in connection with your debt settlement
program. You hereby agree to indemnify Global, and hold Global, its
parent and subsidiaries, directors, officers, shareholders, and
employees harmless from any damages (including attorneys’ fees)
resulting from the breach of any of the above warranties.
XV. Garnishment Acknowledgement: In the event that a creditor of
yours moves to garnish funds in your Account, you expressly acknowledge
that Global will answer the garnishment and comply with any writ issued
by the Court in accordance with the applicable state law. Furthermore,
you expressly acknowledge that Global will not be responsible for
challenging or raising a defense to the garnishment on your behalf. You
specifically agree to indemnify and hold Global harmless from any loss,
liability, obligation, damage, cost and expense resulting from a creditor’s
attempt to garnish and/or hold Global liable for any judgment against you.
XVI. Governing Law: This Agreement shall be governed by the laws of
the state where you reside, except that the state’s rules or statutes governing
arbitration procedures shall not apply. If any part of this Agreement is declared
void or unenforceable, such provision(s) shall be deemed severed from this
Agreement, and the remainder of this Agreement shall remain in full force and
effect. This Agreement may be modified to the extent necessary to give such
force and effect to the remaining provisions. No delay or forbearance in the
strict observance or performance of any provision of this Agreement, nor any
failure to exercise a right or remedy hereunder, shall be construed as a
waiver of such performance, right, or remedy, as the case
may be.
XVII. ARBITRATION OF DISPUTE – IMPORTANT NOTICE WAIVING
YOUR RIGHT TO BRING A CLAIM BEFORE A JUDGE OR JURY IN
COURT: In the event of any controversy between the parties, including, but
not limited, to any claim, dispute, suit, demand, cross claim, counterclaim,
or third party complaint (whether contractual, statutory, in tort, or otherwise)
arising out of or relating to this Agreement or its performance, breach,
termination, enforcement, interpretation or validity, including the
determination of the validity, scope or applicability of this provision to
arbitrate, must be resolved by binding and confidential arbitration. This
arbitration provision is governed by the Federal Arbitration Act (“FAA”), 9
U.S.C. § 1 et seq., and not by any state rule or statute governing arbitration.
Arbitration under this provision will be conducted in either the county in
which the consumer resides or the closest metropolitan county. THE
PARTIES AGREE THAT ARBITRATION WILL BE BEFORE A SINGLE
ARBITRATOR ON AN INDIVIDUAL BASIS AND NOT AS A CLASS OR
MASS ACTION. FURTHERMORE, THE PARTIES AGREE THAT THE
ARBITRATOR MAY NOT CONSOLIDATE PROCEEDINGS OF MORE
THAN ONE PERSON'S CLAIMS. The Arbitration will be administered by:
The Judicial Arbitration Mediation Services (“JAMS”), 1920 Main Street,
Suite 300, Irvine, CA 92614 (www.jamsadr.com); or the American
Arbitration Association (“AAA”), 335 Madison Ave., Floor 10, New York, NY
10017-4605 (www.adr.org); or another nationally known consumer
arbitration service on which the parties will agree to use. The Arbitration will
be administered according to the arbitration service’s fee schedule and the
service’s current applicable rules and procedures except: 1) that the parties
expressly waive the applicability of any rule governing class or mass action;
2) that the parties agree to have an in-person final hearing; and 3) that the
parties agree that any specific arbitration procedure provided for herein will
apply to the arbitration proceeding. The arbitrator – who must be either a
retired judge or an experienced attorney - must be neutral and independent
and must comply with the selected arbitration service’s code of ethics.
Additionally, the arbitrator will be guided by the Federal Rules of Evidence
and “governing substantive” law. The arbitrator’s award is final and binding
on all parties. The parties may move to confirm or vacate the award in a
court of competent jurisdiction in accordance with the provisions of the FAA.
The parties will bear their own attorneys’ fees unless such fees are expressly
provided for by applicable law. If the arbitrator determines that reasonable
attorneys’ fees are to be awarded under applicable law, the parties agree
that the arbitrator will also determine the amount of reasonable attorneys’
fees to be awarded. In the event a party fails to proceed with arbitration,
fails to comply with the arbitrator’s award or unsuccessfully challenges the
arbitrator’s award, the other party is entitled to any costs and expenses
incurred, including a reasonable attorneys’ fee for having to compel
arbitration or defend or enforce the award.
What is Binding Arbitration? Binding Arbitration is an alternative
dispute resolution process where both parties give up certain legal
rights to bring a claim in court. Binding Arbitration means: (1) that
both parties give up their right to a trial in court before a judge or jury;
(2) that both parties give up the right to appeal from the arbitrator’s
ruling except for a narrow range of appealable issues expressly
provided for in the FAA, 9 U.S.C. § 16; and (3) that discovery may be
severely limited by the arbitrator, and if the arbitrator allows full
discovery, the arbitrator may not exceed the discovery limitations
provided by the Federal Rules of Civil Procedure. I UNDERSTAND
THAT I MAY OPT-OUT OF THE TERMS OF THE “ARBITRATION OF
DISPUTE” PROVISION BY PROVIDING GLOBAL NOTICE IN WRITING
WITHIN THIRTY (30) DAYS OF SIGNING THE AGREEMENT. I
understand that the notice must be sent to Global’s Customer Support
using certified mail or sent by electronic mail to the addresses
provided in this Agreement. If I do not timely opt-out, I agree to the
terms of the “ARBITRATION OF DISPUTE” provision.
I acknowledge that I have read, understood, and agree to abide by the
terms of the arbitration provision set forth above, and fully
understand that arbitration replaces the right of either party to go to
court and replaces the right to have a judge or jury hear of decide
either party’s dispute or claims.
SIGNATURE:
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Initials:
XVIII. PRIVACY POLICY: Global may collect personal information that
you provide: (1) in the application portion of this Agreement; (2) in any
updated information you may provide from time to time; and (3) as part of the
transactions processed through your Account. A description of the Privacy
Policy applicable to your Account is provided below. If you have additional
questions regarding this Agreement’s Privacy Policy, please contact Global’s
Customer Support.
a. Collection / Use of Personal Information: Collection of
your personal information is designed to protect access
to your Account and to assist in providing you with the
products and services you have requested. All personal
information collected and stored by Global, or on its
behalf, is used for specific business purposes: (1) to
protect and administer your Account and initiate your
authorized transactions; (2) to assist in the design or
improvement of products and services; (3) to identify
additional products or services offered by Global and/or
its affiliated companies that may meet your needs; and
(4) to comply with state and federal banking regulations.
Only approved and authorized personnel will have
access to such information. To further protect your
information, auditing mechanisms are in place to identify
anyone who may have accessed and in any way
modified your personal information.
b. Maintenance of Accurate Information: You may
update your personal information online, at any time, by
using your Password to log into Global’s website or by
contacting Global’s Customer Support. To ensure that
Global is able to protect your Account and verify your
information, it is in your best interests to maintain
accurate and current any records concerning your
personal information.
c. Limited Access to Personal Information: Access to
your personal information is limited to only those
personnel with a business reason for accessing such
information. In addition, all personnel are trained and
educated about the importance of confidentiality and
customer privacy. Individual user names and passwords
are used by approved personnel to access your personal
information, providing audit trails to further safeguard the
privacy of your personal information.
d. Third-Party Disclosure Restrictions: All third parties
with a business need to access your personal
information are required to adhere to stringent privacy
policies. Your personal information may be supplied to a
third party in order to process a transaction you have
authorized or if the disclosure is allowed or required by
law, e.g., the exchange of information with reputable
reporting agencies in response to a subpoena, in
connection with the investigation of fraudulent activity,
etc.
e. Sharing of Information: You authorize Global to share
certain information with your debt settlement provider
and any third party to the extent necessary to administer
your Account in accordance with your instructions and
authorization. You expressly acknowledge that
Global does not maintain records of any documents
or information associated with your debt settlement
program.
XIX. USA Patriot Act Compliance: As required by the USA Patriot
Act, you authorize Global to take reasonable and practical measures to
verify the accuracy of the information you have provided in the application
portion of this Agreement, as well as to verify your identity by, including and
without limitation, securing or accessing your credit report, and/or obtaining
any other information about you in order to assist in combating terrorism and
preventing Global’s system and the banking system from being used for
money laundering or other impermissible, illegal purposes.
XX. Limitation of Liability: Under no circumstances shall Global ever
be liable for any special, incidental, consequential, exemplary, or punitive
damages, or an amount in excess of the fees and charges Global receives
from you as set forth in this Agreement. Moreover, under no circumstances
shall Global ever be liable for the conduct or contractual obligations of a third
party, including, but not limited to, the debt settlement provider.
XXI. English Language Governs: The terms of this Agreement and
the products and services we provide are governed by the English
language. As a courtesy, Global has made this Agreement available in
languages other than English. If there is any difference in meaning between
the English and non-English version of any of our documents, including this
Agreement, the English version will apply to your Account and is available
to you upon request.
XXII. Merger Clause: This Agreement contains the complete and final
understanding between the parties. Any prior oral statements,
representations, or agreements are superseded by this Agreement.
XXIII. Customer Support Information:
Correspondence Address: 4343 S. 118
th
E. Avenue, Suite 220
Tulsa, OK 74146
Telephone: (800) 398-7191
Fax: (866) 355-8228
Website Address: www.globalclientsolutions.com
Email: customersupport@globalclientsolutions.com
Note: Global will provide you with a welcome packet subsequent to the
execution of this Agreement that will contain deposit instructions
applicable to those customers who choose to send in deposits.
DEDICATED ACCOUNT AGREEMENT AND APPLICATION
I hereby apply for and agree to establish a non-interest bearing dedicated account (“Account”) to be administered at a bank selected by Global Client Solutions
LLC (“Global”) for the purpose of accumulating funds to repay my debts in connection with a debt settlement program of my own choosing (my “Program”) that
is managed by the organization responsible for administering the Program (“Sponsor”). I understand that Global is not a party to my Program and does
not participate in the management of my Program. I understand that this Agreement is subject to a customer identification program, as required by the USA
Patriot Act and other applicable laws; and accordingly, I hereby represent that the following information is true and complete to the best of my knowledge and
belief. In addition, I understand that I may be required to provide a copy of a driver’s license and/or other information from time to time for use in connection
with the verification of my identity and the administration of the Account. Furthermore, I understand that the Account is governed by the terms of this
Agreement and that I am bound by all of its terms and conditions, including the binding arbitration provision located in paragraph XVII on page 2 of
this Agreement in which I expressly give up my right to bring an action in a court before a judge or jury.
ACCOUNT OWNERSHIP, CONTROL AND USE: I understand that the Account, when established in accordance with this Agreement, will be my sole and
exclusive property; that only I (or authorized contact, if any) may authorize deposits to and creditor payments from my Account; and that only I may withdraw
funds from and/or close my Account at any time as provided for in the Agreement. I hereby authorize (a) periodic deposits to be made to my Account pursuant
to the authorization provided below and (b) periodic disbursements to be made from my Account. In this regard, I hereby authorize payment from my Account
of the fees and charges provided for in this Agreement. Should I designate an authorized contact, such designation allows for confirmation of Account information
and for receipt of messages regarding my Account to the designee. PERMISSION TO SHARE DATA: I hereby grant permission for the bank, Global and the
Sponsor to share information regarding my Account and my Program with one another and with any other party to the extent necessary to facilitate the
transactions I authorize on my Account, and acknowledge that sharing information among these parties is essential to the administration of my Account. I
understand that the Agreement provides additional information relating to my privacy rights.
Applicant: First Name (Please print clearly)
MI
Last Name
Social Security #
Date of Birth (mm/dd/yyyy)
Authorized Contact (optional): First Name
MI
Last Name
Social Security #
Date of Birth (mm/dd/yyyy)
Mailing Address
City
State
Zip Code
Physical Address (if different from mailing address)
City
State
Zip Code
Home Phone No.
Cell Phone No.
Email Address
Challenge Question / Answer (for future ID purposes)
Sponsor
Sponsor’s Global Account Number (if known)
Applicant’s Signature
Date
AUTHORIZATION TO DEBIT BANK ACCOUNT
Applicant’s Financial Institution Information
SCHEDULE OF FEES AND CHARGES
Monthly Service Charge $10.95
Premium Deposit Services
Incoming Wire Transfer $10.00
Name (as it appears on check)
Address (as it appears on check) City State Zip Code
1
Routing Number is the 9-digit number appearing in the bottom left corner of your check.
2
Account Number is to the right of the Routing Number and before the Check Number.
Amount of Debit Day of Debit
$ On or after the day of each month until further notice.
I hereby authorize Global to initiate debit entries to my checking account (or savings account) at the financial institution
named above (my “Primary Bank Account”), in the amount(s) and on or after the date(s) set forth above, for the purpose of
transferring funds to my Account. I represent that my Primary Bank Account exists; that I own it; and that I will maintain
sufficient funds in it to permit the debits to clear on the applicable dates. I understand that I may incur a charge as set forth
in the Schedule of Fees and Charges if any attempted debit is not immediately honored when presented; and that the
financial institution providing my Primary Bank Account may also assess a charge if this occurs. In addition, I understand
that I may subsequently designate another account for this purpose by contacting Global’s Customer Support; that I may
also change the corresponding amounts and dates from time to time in that manner; and that the representations I made
above about my Primary Bank Account will apply to any other account that I designate.
This authorization shall remain in full force and effect until I give a written termination notice to Global that affords it a
reasonable period of time to act on it. Any such notice, and any other written notice that is provided for in this Agreement ,
shall be sent to Global’s Customer Support at the addresses set forth in the Agreement.
Applicant’s Signature Authorizing Global to Debit Applicant’s Primary Bank Account Date
Disbursement Fees
ACH Payment $2.00
Global Direct Pay Fee $2.00
Outgoing Wire Transfer $15.00
Manual Check Payment $4.00
2nd Day Delivery $12.00
Overnight Delivery $20.00
Phone Pay Fee $1.50
Stop Pay $17.50
*3:00 pm Central Time Cutoff
--------------------------------------------------------
CUSTOMER SUPPORT
Any questions or inquiries relating to your Account
should be directed to Global’s Customer Support. See
paragraph XXIII of this Agreement for Global’s
correspondence address, Global’s website address,
and the toll-free number to Global’s Customer
Support. Please note that Global is not a party to your
Program, and any questions relating to your Program
should be addressed to your Sponsor, and not to
Global.
Version 19 – GCS – B – S – 05.10.17
All fields required unless otherwise noted Page 4 of 4
Bank Name
Routing Number
1
Account Number
2
Bank Address
City
State
Zip Code